Investment Management

Successful asset management involves exposing our clients to broad asset-class diversification based on their specific goals, risk tolerance, and time-frame. Because we strongly believe that emotion is the single biggest detriment to achieving positive long-term returns, we employ a strategic asset allocation approach with a systematic rebalancing technique.

By making investment decisions based not on what we believe will happen, but on what has happened, we remove the emotional decisions caused by swings in the markets while still taking advantage of the natural volatility underlying them.

We build customized investment portfolios using low cost, tax-efficient investment vehicles, and strive to create the right balance of asset-class diversification needed for each client to achieve target returns with the least amount of volatility along the way.

Completing portfolio rebalancing systematically further reduces emotional decision-making, which, we believe, allows our investment programs to work at peak efficiency.

Tax consequences are considered for all of our investment recommendations, and special care is taken to ensure that investments are made in appropriate accounts, whether taxable or tax-deferred, in an effort to achieve the highest level of efficacy.

Socially Responsible Investing

Socially responsible investing (SRI), also known as Environmental, Social & Governance (ESG), or Impact Investing, is an investment strategy which is concerned with both the financial return and the overall social good of the underlying investments in a portfolio. Generally, socially responsible investors favor corporate practices that promote environmental stewardship, consumer protection, human rights, and diversity. Some also seek to avoid businesses involved in areas of concern such as alcohol, tobacco, gambling, weapons and the military.

Socially responsible investing is not a new concept, extending from the Quakers in the 1700’s through the divesting efforts in South Africa in the 1990’s to today’s ‘Green’ movement. Over the past few decades, however, socially-conscious investing has grown and changed substantially, and the long-held belief that investors must be willing to settle for lagging investment returns to invest in a socially responsible manner has largely gone by the wayside.

At Topel & DiStasi Wealth Management, we support our clients who are committed to SRI by offering access to a large breadth of socially responsible investment options across our portfolios. Our financial advisors start by helping clients frame their definition of social responsibility, and then use screens to attempt to filter out the areas of concern and promote desired company attributes while filling out their allocations.

We remain committed to monitoring the rapid growth of this type of investing, and continually update our clients about new offerings and progress in the industry.